Virginia Pet Insurance

Pet insurance in Virginia typically costs $20–$70/month for dogs and $10–$30/month for cats for most Embrace parents. Rates are influenced by factors such as your pet’s age, breed, location, and coverage selections. Northern Virginia and the Hampton Roads area tend to have slightly higher rates than southwest Virginia and the Shenandoah Valley. Other rating considerations may also apply, varying by state and policy.¹ Get your exact price in about a minute with no commitment.

Yes! Virginia has significant tick activity, and Lyme disease is a real concern across much of the state. For eligible pets, Embrace coverage extends to Lyme disease diagnosis and treatment, including antibiotics, blood tests, and ongoing monitoring for chronic cases.

For eligible pets, Embrace coverage extends to storm-related injuries such as lacerations, respiratory issues from smoke or debris, and gastrointestinal illness from floodwater exposure. If you need to evacuate, your coverage travels with you anywhere in the U.S.

Absolutely. Embrace Pet Insurance works with any licensed vet in the United States. Whether you are stationed in Virginia, moving to a new duty station, or traveling during a leave period, your coverage follows you everywhere with no network restrictions.

Virginia is home to venomous snakes including copperheads and timber rattlesnakes. For eligible pets, Embrace coverage extends to treatment for snake envenomation, which can be a significant expense requiring antivenom, hospitalization, and follow-up care.

Embrace Pet Insurance puts you in control with customizable options. Choose your annual deductible, from lower amounts for maximum coverage to higher amounts for budget-friendly premiums, and pick your reimbursement level anywhere from 70% to 90% back on covered bills.

Embrace Pet Insurance processes most straightforward claims within days. Snap a photo of your vet bill, submit through the mobile app, and watch your claim status in real time. Once approved, choose direct deposit for fast reimbursement straight to your bank account.

Pre-existing conditions are excluded across the pet insurance industry. However, Embrace may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 consecutive months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach.

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your full coverage kicks in, so your beloved pet can enjoy the complete benefits of the policy. These waiting periods or exclusion periods can vary. Click here to get the details.